Privacy Policy

1. Introduction

Welcome to PaydownWise. We are committed to protecting your privacy and being transparent about what data we collect (spoiler: almost nothing) and how we use it.

This Privacy Policy explains our practices regarding the collection, use, and disclosure of information when you use our website and financial calculators.

2. Information We DON'T Collect

Let's start with what we DON'T do, because this is the most important part:

• ✗Financial Data: We never collect, store, or transmit your loan amounts, interest rates, payment information, or any financial data you enter into our calculators.
• ✗Personal Information: We don't require registration, so we don't collect names, email addresses, phone numbers, or any personally identifiable information.
• ✗User Accounts: We don't have user accounts or login systems. You can use all our calculators completely anonymously.
• ✗Invasive Tracking: We don't use third-party tracking scripts, behavioral analytics, or sell your data to advertisers.

3. How Our Calculators Work

All financial calculations on PaydownWise happen entirely in your web browser using JavaScript. This means:

• →Client-Side Processing: When you enter data into a calculator, your browser performs all the math locally. Nothing is sent to our servers.
• →No Server Storage: Your financial information never leaves your device. We physically cannot see, store, or access your calculation data.
• →Instant Results: This also makes our calculators lightning fast since there's no network delay.

4. Optional Features & Local Storage

Save to History

If you choose to use our "Save to History" feature, your saved calculations are stored in your browser's local storage. This means:

• •Data stays on YOUR device only
• •We cannot access this data
• •Clearing your browser data will delete these saved calculations
• •Saved calculations don't sync across devices

Share Calculation Link

When you use the "Share Results" feature, we encode your calculator inputs into the URL. This allows you to bookmark or share the calculation with others. However:

• •The URL is generated locally in your browser
• •We don't log or track shared URLs
• •Anyone with the URL can see the calculation parameters (so only share with people you trust)

5. Information We MAY Collect

Like most websites, we may collect minimal, non-personal information necessary for basic website operation:

• •Server Logs: Standard web server logs (IP addresses, browser types, timestamps) for security and performance monitoring. This is standard practice for all websites.
• •Basic Analytics: We may use privacy-respecting analytics (like Plausible or Simple Analytics) to understand which calculators are most popular. This does NOT track individual users or behavior.
• •Error Monitoring: If the website crashes, we may collect anonymous error logs to fix technical issues.

6. Cookies

We do not use tracking cookies or advertising cookies. We may use essential cookies only for:

• •Session management (keeping the website functional)
• •Storing your saved calculations locally (if you use that feature)

You can disable cookies in your browser settings, though this may affect the functionality of certain features like saving calculation history.

7. Third-Party Services

We host our website on Vercel, a trusted cloud platform. Vercel may collect standard server logs as part of their infrastructure services. We do not use third-party advertising networks, social media trackers, or data brokers.

8. Data Security

Since we don't collect your financial data, there's nothing to secure on our end. Your data never leaves your browser. However, we do:

• •Use HTTPS encryption for all connections
• •Follow security best practices for our website infrastructure
• •Keep our software dependencies up to date to prevent vulnerabilities

9. Children's Privacy

PaydownWise is designed for adults making financial decisions. We do not knowingly collect information from children under 13. Since we don't require registration or collect personal information, this is not a concern for our service.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify users of any material changes by updating the "Last updated" date at the top of this page. We encourage you to review this Privacy Policy periodically for any changes.

11. Contact Us

If you have any questions about this Privacy Policy or our practices, please contact us through our website.